State co-financing of pension. Co-financing of pensions for unemployed pensioners

Since 2009 for residents of the Russian Federationthe project of co-financing of pensions works. What was it created for? What are the objectives pursued? What is the co-financing of pensions? News on this topic, as well as frequently asked questions will be posted under this article.

general information

State co-financing of pensionsis that citizens once a year replenish their account in the accumulative pension fund for a certain amount in the range of two to twelve thousand rubles. At the same time, the state contributes its part. It on the account of the future pensioner lists a similar amount of money. What gives such an approach?

State co-financing of pension allowsto provide people with the maximum return on their contributions. The amounts that accumulate in this way are added to the capital that is formed due to the insurance model. Co-financing of pensions for non-working pensioners will provide increased support. And its size depends on each person. If he voluntarily transferred twelve thousand rubles for seven years, then now you can expect about 8 thousand rubles a year. The amount is not big, but who will refuse it?

What is the current state of affairs?

How popular is co-financing of pensions? The news from the vice-premier tells us that now there are over eight million participants in the program. Anyone can take part in the project. True, for this it is necessary to have an insurance pension certificate.

If you want to participate, you need toIn addition, bring an application and an internal passport. The form for the first is issued directly in the offices of the pension fund. Speaking about the procedure for filing, it can be noted that there are several ways: you can do everything in person, as well as through the employer or special organizations that are authorized by government agencies.

Selected moments

True, for the sake of justice it should be noted thatnot everything is cloudless. So, co-financing of the pension began to operate from 2008, but in 2014 it was frozen. Why? The fact is that this project is very much tied to the insurance part of the pension. But with her there are problems - she is frozen. But do not worry, now it does not matter. In 2017, if there is a desire, you can safely use these funds. This is a very good project that will work successfully. And now it is much improved. The project is most popular at the largest enterprises of the country and is gradually gaining recognition among the part of business structures that are interested in long-term recruitment of professional staff.

It should also be noted individual exceptions fromrules 1: 1. Thus, people of retirement age who have not issued documentation for a pension will be entitled to payments that exceed the available sum at least five times. There are quite a lot of legal aspects about which you can find out in the offices of the pension fund. Now we can confidently say that the state co-financing of the pension will be most beneficial to those people who were born before 1967. Why? The point here is that they do not form a mandatory funded component.

Special Populations

I would like very much to pay attention to Article 8 of the law "Oninsurance pensions ". People who fall under its influence and do not apply for the establishment of any type of pension, have the opportunity to interact according to the principle 1: 4. What does this mean in practice? Suppose there is a person who paid 12 thousand rubles. The state for its part, too, adds, but no longer 12,000, but 48,000! Thus, an individual personal account will receive 60 thousand rubles a year!

Agree, the amount is not small - it equalstwo average monthly wages in the country. That's how the accumulative part of the pension grows. Co-financing from the state in some way can be called a division of the amounts received from the realization of the material resources of the Russian Federation. So do not miss such a good opportunity.

Criticism

But to evaluate something, you need to know not onlypositive, but also negative aspects. About the first we talked - it's an opportunity to get a hundred, or even four hundred percent of the profit per year. In addition, the amount of contributions is low. Even if now it is difficult to make someone 12 thousand rubles, it can stop at 5000 or 2000 altogether. But certain doubts arise because of who is the guarantor of this system.

Many people are afraid of the probability that they willpension reform, the motto of which will be the words "to all who should-forgive." As an example, often refer to the latest experience. After all, insurance savings simply took and froze, replacing them with points, the system of converting which into money is not entirely understandable. But the army of pensioners is growing, and there will be no place to borrow money soon. But this can be called purely emotional criticism. And in order to better estimate the "cost" of the project, let's analyze it into separate components.

Control and confidence

So, often as negative momentsnote that if money is invested in this way in a pension, then before the onset of a certain age (or events in some groups of the population), access to them will not be possible. This is a significant disadvantage compared to bank deposits. So, if you want to open a business or organize a wedding, you will need to save everything from scratch. In addition, certain events may occur, because of which you will need to make an immediate withdrawal of funds (for example, there will be a favorable and necessary offer).

Stops people and insecurity in the pensionfuture. Widely used is the receipt of wages in envelopes, which adversely affects the amount of future security. Accordingly, the level of payments decreases. And if you pay an additional 12,000 every year with an official salary of 6-8 thousand, then the inspection bodies may have questions. And as a result - the negative consequences in the form of fines (for the employer) and co-payments (for the employee).

The uncertainty in the state and the desire to become successful

Even if we assume that everything will developjust as it was intended, it is not at all a fact that when the regime changes, the rules will not be changed, and radically. This affects the weak heredity of the policy pursued. In addition, many people want to become a wealthy person as early as possible, and not at retirement age. Someone collects an investment portfolio of shares, others save other assets, but the result is one - everyone wants to start not to work as early as possible. And if you work - then only if you have your own desire. If you have brains, then even working and saving some money, you can create yourself a good financial pillow.

Desire to live well now

Alas, many are not lucky to live up to retirement. In this unstable world, anything can happen. That is why many people rely on realizing themselves now. The same money can be invested in your own enterprise or simply live in your own pleasure. This argument leads to the fact that the funded pension is not popular. Co-financing, although it offers a good growth in assets of one hundred and even four hundred percent per year, but, alas, it will take a long time to wait. Especially distant pension seems for the young. Although, however, if there is or will be an excess of money, then you can participate in this project.

Many have lost the desire to do so, it only costsjust look at the interest. In the world, a very common practice is profitability in the region of four to five percent. Well, from the point of view of the US, Germany or France, where this indicator is 1.5-2 times higher than inflation, this is quite good. But the same result in the Russian Federation is lower than inflation in half, that is, money is gradually "eaten up", which is quite bad.

Conclusion

Co-financing of pension for pensioners canhelp in the material plan, though not significantly, but still! Therefore, it is up to each to decide on whether to follow this path. In general, if you break even the maximum amount for a month, then only one thousand rubles goes out. This amount is quite elevating, so you can use this way. Such money can be earned, giving a day or two or three to laborious work. However, then we will have to monitor our health, so that we must live to the point when we can use pension savings. And not just "see and die", but also rest after decades of labor.